Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,619

  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.
5

out of 5

POSTED: | BY: Amanda F.

Fast and easy reimbursements!

I was never the type of person to think pet insurance was worth the cost, but I’m so glad I signed up with Figo when I did. My dog ended up needing monthly pain meds that cost more than the monthly premium, and then he needed several appointments and Xrays to figure out why he was limping. Turns out he needed TPLO surgery, which was very expensive. Figo reimbursed me very quickly and without any issues. The premium has gone up in the last year and I do debate whether or not I will continue my policy if it increases again, but I am very thankful to have had the coverage for my dog’s surgery.
5

out of 5

POSTED: | BY: Sharon French

Amazing response

As always, submitting a claim through your website is easy. The same day, I received confirmation that my claim would be paid and the money was deposited in my bank account a few days later.
5

out of 5

POSTED: | BY: Wendy Albino

FIgo pet insurance has been the BEST

FIgo pet insurance has been the BEST! The claim filing has been the easiest to send by phone and have $$ in my account in two days! What other Insurance does that! Their customer service is kind, patient, and very understanding. They definitely have a 5 star plus rating from me! I would highly recommend them!
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5

out of 5

POSTED: | BY: Scott Tharp

Terrific service!!!

First time we have used Pet Insurance and so glad we chose Figo. Our puppy broke his leg at 3 mos. and has required much physical therapy. We quickly used the deductible on the initial surgery, X-rays, and follow-up. Thank goodness for Figo.
5

out of 5

POSTED: | BY: Teresa Taylor

I've found surprisingly easy-to-file insurance with unexpected quick processing after sending in my itemized bills.

Once I figured out how to navigate "the cloud" and got my account set up, it was very easy to file claims. They were processed within days. I worked with dental insurance for 28 years. Lemme tell you, pet insurance is soooo much easier than people insurance!
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Monthly Cost

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

Exclusions

Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences We now have a wellness option We have a diminishing deductible Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)
Figo Pet Insurance detail
Figo is committed to helping pets and their families enjoy their lives together. Figo’s cloud-based pet healthcare offering features everything pet owners need to manage their pet’s everyday lives, including coverage and medical claim information, digital pet tags and the latest lost and found technology. Any claims are reimbursed directly into your account using ACH. With three flexible pet insurance plans to choose from, owners can customize their reimbursement percentage and annual deductible, and Figo provides up to 100% coverage with unlimited annual medical benefits.
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